+86 points* in one year. No credit check.df

Build credit and lower debt with affordable tools designed to work.

Get Started
Build credit fast

45 day money-back guarantee.1

+
86
pts*

in a year with on-time payments

NO credit check.
NO hidden fees.
NO interest.
Plans start at
$
5
/month2
1
M+
Active Kikoff users
NO credit check.
NO hidden fees.
NO interest.

What’s a Kikoff tradeline?

The Kikoff tradeline is used to finance the purchase of your monthly plan, not everyday items like gas or groceries. Each month, your balance & repayments are reported to all three major credit bureaus to help you build credit safely. This helps you build payment history, lower your overall credit utilization, and grow your average account age — all key credit building factors.

No hidden fees, just results.

Radically affordable. Built for everyone. See why millions love Kikoff.

Featured in:

Explore our features.

Kikoff Credit Account

Build credit fast by reporting on-time payments and optimizing your credit usage with the Kikoff tradeline.

What's a Kikoff tradeline?

Build payment history and lower credit usage to help your credit score grow.

Rent & Bill Reporting

Kikoff helps build your credit by reporting on-time rent and utility payments like phone, electricity, gas, and water.

Build Payment History to help your credit score grow.

Disputes

Spot an error? We’ll help you dispute it with the credit bureaus.

Build Payment History to help build your credit.

AI Debt Negotiation

Skip the calls. Our AI negotiates directly with creditors to lower your debt.

Let AI handle the hard work when it comes to your debt.

Subscription Cancellations

Save money by canceling unwanted subscriptions.

No need to worry about scam calls and annoying text

Privacy Protection

Tired of spam calls? Kikoff removes your data and protects your privacy

No more scam calls. No more spam texts. Just peace of mind.

$1M Identity Theft Insurance

Identity theft affects millions yearly. Ultimate covers up to $1M in losses.

No more scam calls. No more spam texts. Just peace of mind.

Bill Reporting

Stay on top of monthly bills and spending with ease.

Build Payment History to help your credit score grow.

More1 ways to score, all in one place.

Kikoff services may result in bank fees when customer accounts are debited. Banks may charge nonsufficient fund fees, overdraft fees, or other fees. Credit cards may also incur interest charges. Kikoff is not responsible for any bank fees. Competitor secured credit cards refers to secured credit cards other than Kikoff.
Credit monitoring
Track changes to your credit, get monthly credit reports from all three credit bureaus, and discover tips to improve your credit, and understand key credit factors.
Learn more
Kikoff Secured Credit Card5
Build credit with every tap, swipe, or online purchase with the Kikoff Secured5 Credit Card. Available by invite-only, it works like a debit card, with the perks of a credit card — including $0 in-network ATM withdrawals, fee-free overdraft protection, and early payday.
Learn more
For Premium & Ultimate users.
Kikoff Disputes
Errors on your credit report can lower your score — Kikoff Disputes can help you remove errors from your credit report for free.
Learn more
Debt Negotiation
Our debt negotiation team can help settle outstanding debt, even those that negatively impact your credit.
Learn more
For Premium & Ultimate users.
Rent Reporting
Get credit for the rent you already pay. We’ll report successful rental payments to Equifax. Report up to 2 years of prior rental payments with a one-time fee of $50.
Learn more
Bill Reporting
Put your monthly bills to work for you. We’ll report your phone, electricity, natural gas, and water payments to TransUnion each month. This can help you build credit even faster — and we won't report late payments.
Learn more
For Premium & Ultimate users.
Subscription Management
Put money back in your pocket and cancel your unwanted subscriptions with ease.
Learn more
For Premium & Ultimate users.
Privacy protection
Tired of spam calls? Remove your personal information from data brokers & third party data resellers. Kikoff constantly monitors the web for new exposures to safeguard your privacy.
Learn more
For Premium & Ultimate users.
$1M Identity theft insurance
Identity theft impacts millions of Americans every year. With Ultimate, you’re covered for up to $1M in eligible ID theft losses.
Learn more
For Ultimate users.

‍Plans & pricing

Kikoff services may result in bank fees when customer accounts are debited. Banks may charge nonsufficient fund fees, overdraft fees, or other fees. Credit cards may also incur interest charges. Kikoff is not responsible for any bank fees. Competitor secured credit cards refers to secured credit cards other than Kikoff.
Basic plan
$5/mo1
Our starter plan.
Kikoff Basic
$750 reported Kikoff Tradeline2
What's a Kikoff tradeline?
Reports to Equifax, Experian, & TransUnion
Weekly credit report
Rent Reporting to Equifax & TransUnion**
Tools, tracking, & insights
Bank-level security
Dedicated support
Sign up now
Premium plan
Kikoff Premium
$20/mo1
The best value.
All the perks of Basic
$2,500 reported Kikoff Tradeline2
What's a Kikoff tradeline?
Access to Kikoff Secured5 Credit Card
Bill Reporting
Track and Manage Spending
Debt Negotiation
Bill Reporting
Sign up now
Ultimate plan
Kikoff Ultimate
$35/mo2
Our most powerful plan.
All of the perks of Basic & Premium
$3,500 reported Kikoff Tradeline2
What's a Kikoff tradeline?
$1M Identity theft insurance
Bill Reporting
Bill Reporting
Personal data protection
Sign up now
Basic plan
Premium plan
Ultimate plan
Basic plan
$5/mo2
Our most popular plan.
Kikoff Basic
$750 reported Kikoff Tradeline2
Reports to Equifax, Experian, & TransUnion
Weekly credit report
Rent Reporting to Equifax & TransUnion**
Tools, tracking, & insights
Bank-level security
Dedicated support
Get Started
Premium plan
Kikoff Premium
$20/mo2
The best value.
Get Started
All the perks of Basic
$2,500 reported Kikoff Tradeline2
What's a Kikoff tradeline?
Access to Kikoff Secured5 Credit Card
Bill Reporting
Track and Manage Spending
Debt Negotiation
Bill Reporting
Ultimate plan
Kikoff Ultimate
$35/mo2
Our most powerful plan.
All of the perks of Basic & Premium
$3,500 reported Kikoff Tradeline2
What's a Kikoff tradeline?
$1M Identity theft insurance
Bill Reporting
Bill Reporting
Personal data protection
Get Started
What is a Kikoff tradeline?

The Kikoff tradeline is used to finance the purchase of your monthly plan, not everyday items like gas or groceries. Each month, your balance & repayments are reported to all three major credit bureaus to help you build credit safely. This helps you build payment history, lower your overall credit utilization, and grow your average account age — all key credit building factors.


Got it

Real users, real credit growth.

Each time I was checking my credit, points were just accumulating. My credit has improved 156 points with Kikoff.

Marquita
Oakland, CA

i couldn't get a car to save my life n Kikoff helped get me from 545 to like 6 something in like 2 months. def worked for me!!!! thank yoouuuuu ⭐️⭐️⭐️⭐️⭐️

Lila
Atlanta, GA

I was ready to clean up my credit but I didn't have a ton of options. Kikoff worked and I still don't know how. Up to 700 after a year.

Sammy
Detroit, MI

My credit was in the 400s.... I didn't even know credit could go that low. Now it's in the 600s. Don't even think about it, just sign up.

Keshawn
Oakland, CA

Safe, secure, and here to help.

We use state-of-the-art encryption in all data transmissions to keep your information safe.  Need help? Click here to contact our support team anytime.

Frequently asked questions

Can I use my Kikoff tradeline to buy things like gas or groceries?
Can Kikoff guarantee better credit?
Are Kikoff plans a Secured Credit Card?
Do I get my money back at the end of my Kikoff plan?

Ready to score?

+
86
pts*

in a year with on time payments

Get Started
Build credit fast

No credit check. No interest.

Kikoff services may result in bank fees when customer accounts are debited. Banks may charge nonsufficient fund fees, overdraft fees, or other fees. Credit cards may also incur interest charges. Kikoff is not responsible for any bank fees. Competitor secured credit cards refers to secured credit cards other than Kikoff.